Payment
Credit Card

Credit Card FAQ

19min

What types of cards can uses for Credit Card payment methods?

All cards with  Visa, Mastercard, JCB, and Amex logos.



What's the difference between paying with a card with the GPN logo and other Credit Cards?

Other s work with American Express, Mastercard, VISA, and JCB so they can use for domestic and foreign s. Meanwhile, cards bearing   logo can only use for domestic s.

 visit  GPN  for further  regarding .



Is there an authentication process using OTP?

Yes,   will be managed by  MID .



What is ECI code on Credit Card?

ECI code is a   code available in  3Ds Authentication  that the  can acknowledge  successful  of the 's authentication result.

ECI Code (VISA and other Principal)

ECI Code (Mastercard)

Description

05

02

Authentication is successful and card  security is ensured with 3D Secure .

06

01

Authentication has already been tried, but it has been unsuccessful because   Issuer or card for   isn't integrated with  3D Secure .

07

00

Authentication is unsuccessful because of various factors, such as  card used for  transaction or  issuing card isn't safe, an error within  Directory Server,  card failing to integrate with  3Ds , or a card already integrated with  3Ds  but fail on  authentication .



How is the payment process by Credit/Debit Card?

 visit Credit Card Payment Flow  for further .



Why can transactions using Credit Cards can fail?

  1. The card is not active.
  2. The card is expired.
  3. Invalid card number.
  4. Invalid expiration date.
  5. Invalid CVV.
  6. The Issuer network is not supported.
  7. The daily card usage has reached its limit.
  8. 3Ds Visa credit card.


How do Merchants check transactions that have been successfully paid by Credit Card?

Merchants can view  history within a certain period through  Merchant Back Office at:



Can the display of the OTP on the Credit Card be magnified?

For  OTP  ,  display can't enlarge.



What is meant by Settlement?

 is   of recording a  & transferring  funds from a financial institution ( or ) to an individual or company that in this case will refer to as a .

 check  Settlement Process  for further .



Can Merchants make arrangements so that Customers don't need to re-enter card details for future transactions?

Yes,  recurring feature is a solution to support these  needs.



Can Credit Card transactions be done from abroad?

Yes, if it matches   CC support tagline: Visa, Mastercard, JCB, Amex 3D Secured, and .



Is there a refund process at the Merchant Back Office for payment with a Credit Card?

's Merchant Back Office provides a refund  for payments with .

 visit  Transaction Data  for further .



How do I process a refund on a Credit Card?

 visit Credit Card Transaction Settlement  for further .



How long does it take to process a Credit Card Settlement?

H+3 on workdays.



Can Merchants request certain blacklist bin cards?

Merchants can request certain blacklist bin cards.



Can Merchants use non-CVV Credit Card recurring?

You can't, because to prevent fraud recurring you have to use CVV.



Is there a maximum limit for Merchants to make Credit Card refund payments?

The maximum time for a  refund is 90 days / 3 months.


Updated 17 Mar 2025
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